All calculations run in your browser. No login required. · Updated for AY 2026-27
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Australian Net Worth Calculator 2026 — Total Assets, Liabilities & Debt-to-Asset Ratio

Last updated: Reviewed by Sarah Mitchell, FCA
Your **net worth** is the total value of everything you own (assets) minus everything you owe (liabilities). It is the single most comprehensive measure of financial health — more meaningful than income alone because it captures wealth accumulation over time. For Australians, the calculation typically includes residential property, superannuation, bank savings, share and ETF portfolios, and other assets, offset by mortgage balances, personal loans, and credit card debt. According to ABS data, the median Australian household net worth is approximately **$570,000** (2022), but this figure is heavily skewed toward older homeowners — median net worth for under-35s is significantly lower. Superannuation is included in this calculator because it is a genuine asset, though it is inaccessible before preservation age (currently 60). A debt-to-asset ratio below 50% is generally considered healthy; most Australian homeowners sit in the 30–60% range depending on how recently they purchased. Calculate your net worth every 6–12 months to track your financial progress.
Australian Net Worth Calculator
Current estimated market value of your primary residence and investment properties
Total balance across all your super funds
Bank accounts, term deposits, offset accounts
Shares, ETFs, managed funds at current market value
Car, business interests, collectables, crypto
Outstanding balance on all home and investment loans
Car loans, credit cards, personal loans, HECS (enter current balance)
Total Assets —
Total Liabilities —
Your Net Worth —
Debt-to-Asset Ratio —
View Year-by-Year Breakdown
Year-by-year growth breakdown

Real-World Examples — 2026

Australian family — 40s homeowners

A couple in their mid-40s have a home worth $950,000 (mortgage $480,000), combined super of $280,000, savings of $60,000, shares of $80,000, and a car worth $30,000. Total assets: $1,400,000. Total liabilities: $480,000 + $10,000 car loan + $5,000 credit card = $495,000. Net worth: $905,000. Debt-to-asset ratio: 35% — healthy for their age. The bulk of wealth is in illiquid property equity.

First home buyer just purchased

A 32-year-old has just purchased a $700,000 apartment with a $630,000 mortgage (10% deposit). Super balance is $80,000, savings $15,000 (after deposit and costs), car worth $18,000. Total assets: $813,000. Total liabilities: $630,000 + $12,000 HECS = $642,000. Net worth: $171,000. Most wealth is in a single illiquid asset (the apartment) — a common and acceptable position for a recent first home buyer.

Frequently Asked Questions

Australian net worth benchmarks by age: at age 30, around $50,000–$150,000 (primarily super and savings); at age 40, around $300,000–$600,000 (property equity growing); at age 50, around $600,000–$1,200,000 (significant super and property equity); at age 60, around $1,000,000–$2,000,000 (approaching retirement). The median net worth for Australian households is approximately $570,000 (ABS 2022), though this is skewed heavily by property ownership and age.

Yes, superannuation is a genuine asset and should be included in net worth. However, it is worth noting that super is not accessible until you reach preservation age (currently 60 for most people) and retire, so it is less liquid than other assets. For financial planning purposes, many advisers calculate two net worth figures: 'liquid net worth' (excluding super and illiquid property equity) and 'total net worth' (including everything). Your super balance appears on your fund's website or on the ATO's myGov portal.

Net worth grows through three main levers: increasing assets (salary sacrifice into super, regular investing, saving for property), reducing liabilities (making extra mortgage repayments, paying off high-interest debt, not taking on unnecessary borrowing), and asset appreciation (property market growth, share market returns). The most reliable wealth builder for most Australians has been a combination of homeownership (with extra mortgage repayments) and maximising superannuation contributions.

Technically yes — HECS-HELP is an outstanding debt that reduces your net worth. However, it is an unusual debt because it only repays when your income exceeds $54,435 (2025–26 threshold), it is interest-free (indexed to CPI only), and it is extinguished upon death. Many Australians exclude HECS from net worth calculations due to its unusual nature. Your HECS balance is available through the ATO on myGov.